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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,379 | $52,279-82.1% | $89,435-89.5% | $79,856-88.3% |
| Participation rate | 46.7% | 57.5%-10.9pp | 68.0%-21.3pp | 69.6%-23.0pp |
| Annual return | 12.81% | 22.16%-9.4pp | 245.55%-232.7pp | 31.71%-18.9pp |
| Employer contribution / active EE | $412 | $1,572-73.8% | $2,587-84.1% | $2,471-83.3% |
| Participant deferral / active EE | $834 | $2,740-69.6% | $3,890-78.6% | $3,741-77.7% |
| Admin fee / account holder | $2,508 | $3,356-25.3% | $4,884-48.6% | $5,306-52.7% |